Method and corresponding proxy server, system, computer-readable storage medium and computer program
First Claim
1. A method performed using a proxy server communicating between a first merchant computing device, a second merchant computing device, a first issuer computing device, and a second issuer computing device, the method comprising:
- receiving a first payment request message at the proxy server from the first merchant computing device, the first payment request message comprising first customer data and first merchant data;
storing, by the proxy server, a first set of rules includingi) a merchant does have a subscription to an authentication service,ii) a transaction is not an online transaction, andiii) an issuer does not have a subscription to the authentication service;
determining from the first payment request message, at the proxy server, that at least one of the first set of rules is satisfied;
transmitting the payment request message from the proxy server to the first issuer computing device based on the determination that at least one of the first set of rules is satisfied;
receiving a second payment request message at the proxy server from the second merchant computing device, the second payment request message comprising second customer data and second merchant data, the second merchant data including a subscription flag;
storing, by the proxy server, a second set of rules includingi) a merchant does not have a subscription to the authentication service based on the merchant data,i) a transaction is an online transaction, andii) an issuer does have a subscription to the authentication service;
determining from the second payment request message, at the proxy server, that the second set of rules are satisfied;
generating an authentication request message at the proxy server based on the determination that the second set of rules are satisfied;
holding the second payment request message at the proxy server based on the generation of the authentication request message;
sending the authentication request message from the proxy server to the second issuer computing device while the second payment request message is held at the proxy server;
receiving an authentication response message from the second issuer computing device at the proxy server in response to sending the authentication request message, the authentication response message comprising an indication of whether a holder of an account is the second customer and an issuer certificate;
generating, by the proxy server, a modified payment request message by including in the held second payment request message, the issuer certificate and the indication of whether the holder of the account is the second customer; and
transmitting the modified payment request message from the proxy server to the second issuer computing device.
1 Assignment
0 Petitions
Accused Products
Abstract
A method is provided. The method includes receiving a request message, the request message relating to a transaction between a first client and a second client, the request message including first client data and second client data, the first client data identifying an account to be used by the first client in the transaction, the second client data indicating if the second client is subscribed to a service. The method further includes determining if the second client is subscribed to the service, and generating an authentication request message if the second client is not subscribed to the service, the authentication request message requesting confirmation that a holder of the account is the first client. The method further includes sending the authentication request message, and receiving an authentication response message from the external server in response, the authentication response message including an indication whether the holder is the first client.
35 Citations
14 Claims
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1. A method performed using a proxy server communicating between a first merchant computing device, a second merchant computing device, a first issuer computing device, and a second issuer computing device, the method comprising:
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receiving a first payment request message at the proxy server from the first merchant computing device, the first payment request message comprising first customer data and first merchant data; storing, by the proxy server, a first set of rules including i) a merchant does have a subscription to an authentication service, ii) a transaction is not an online transaction, and iii) an issuer does not have a subscription to the authentication service; determining from the first payment request message, at the proxy server, that at least one of the first set of rules is satisfied; transmitting the payment request message from the proxy server to the first issuer computing device based on the determination that at least one of the first set of rules is satisfied; receiving a second payment request message at the proxy server from the second merchant computing device, the second payment request message comprising second customer data and second merchant data, the second merchant data including a subscription flag; storing, by the proxy server, a second set of rules including i) a merchant does not have a subscription to the authentication service based on the merchant data, i) a transaction is an online transaction, and ii) an issuer does have a subscription to the authentication service; determining from the second payment request message, at the proxy server, that the second set of rules are satisfied; generating an authentication request message at the proxy server based on the determination that the second set of rules are satisfied; holding the second payment request message at the proxy server based on the generation of the authentication request message; sending the authentication request message from the proxy server to the second issuer computing device while the second payment request message is held at the proxy server; receiving an authentication response message from the second issuer computing device at the proxy server in response to sending the authentication request message, the authentication response message comprising an indication of whether a holder of an account is the second customer and an issuer certificate; generating, by the proxy server, a modified payment request message by including in the held second payment request message, the issuer certificate and the indication of whether the holder of the account is the second customer; and transmitting the modified payment request message from the proxy server to the second issuer computing device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A proxy server communicating between a first merchant computing device, a second merchant computing device, a first issuer computing device, and a second issuer computing device, the proxy server comprising:
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at least one processor; and at least one memory including computer program code that when executed by the at least one processor, causes the at least one processor to perform the steps of; receiving, at the proxy server, a first payment request message from the first merchant computing device, the first payment request message comprising first customer data and first merchant data, storing, by the proxy server, a first set of rules including i) a merchant does have a subscription to an authentication service, ii) a transaction is not an online transaction, and iii) an issuer does not have a subscription to the authentication service; determining, at the proxy server, from the first payment request message that at least one of the first set of rules is satisfied; transmitting the payment request message from the proxy server to the first issuer computing device based on the determination that at least one of the first set of rules is satisfied; receiving, at the proxy server, a second payment request message from the second merchant computing device, the second payment request message comprising second customer data and second merchant data, the second merchant data including a subscription flag; storing, by the proxy server, a second set of rules including i) a merchant does not have a subscription to the authentication service based on the merchant data, ii) a transaction is an online transaction, and iii) an issuer does have a subscription to the authentication service; determining, at the proxy server, from the second payment request message that the second set of rules are satisfied; generating, by the proxy server, an authentication request message based on the determination that the second set of rules are satisfied; holding the second payment request message at the proxy server based on the generation of the authentication request message; sending the authentication request message from the proxy server to the second issuer computing device while the second payment request message is held at the proxy server; receiving an authentication response message at the proxy server from the second issuer computing device in response to sending the authentication request message, the authentication response message comprising an indication of whether a holder of an account is the second customer and including an issuer certificate; generating, by the proxy server, a modified payment request message by including in the held second payment request message, the issuer certificate and the indication of whether the holder of the account is the second customer; and transmitting the modified payment request message from the proxy server to the second issuer computing device. - View Dependent Claims (10)
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11. A system comprising:
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a proxy server communicating between a first merchant computing device, a second merchant computing device, a first issuer computing device, and a second issuer computing device, the proxy server comprising; at least one processor; and at least one memory including computer program code that when executed by the at least one processor, causes the at least one processor to perform the steps of; receiving, at the proxy server, a first payment request message from the first merchant computing device, the first payment request message comprising first customer data and first merchant data; storing, by the proxy server, a first set of rules including i) a merchant does have a subscription to an authentication service, ii) a transaction is not an online transaction, and iii) an issuer does not have a subscription to the authentication service; determining, at the proxy server, from the first payment request message that at least one of the first set of rules is satisfied; transmitting the payment request message from the proxy server to the first issuer computing device based on the determination that at least one of the first set of rules is satisfied; receiving, at the proxy server, a second payment request message from the merchant computing device, the second payment request message comprising second customer data and second merchant data, the second merchant data including a subscription flag; storing, by the proxy server, a second set of rules including i) a merchant does not have a subscription to the authentication service based on the merchant data, ii) a transaction is an online transaction, and iii) an issuer does have a subscription to the authentication service; determining, at the proxy server, from the second payment request message that the second set of rules are satisfied; generating, by the proxy server, an authentication request message based on the determination that the second set of rules are satisfied; holding the second payment request message at the proxy server based on the generation of the authentication request message; sending the authentication request message to the second issuer computing device while the second payment request message is held at the proxy server; receiving an authentication response message at the proxy server from the second issuer computing device in response to sending the authentication request message, the authentication response message comprising an indication of whether a holder of an account is the second customer and including an issuer certificate; generating, by the proxy server, a modified payment request message by including in the held second payment request message, the issuer certificate and the indication of whether the holder of the account is the customer; and transmitting the modified payment request message from the proxy server to the second issuer computing device; and a customer computing device associated with a customer, wherein the customer computing device comprises a customer computing device memory including computer program code that, when executed by a customer computing device processor, causes the customer computing device processor to perform the step of generating a transaction request message comprising the second customer data. - View Dependent Claims (12, 13)
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14. Non-transitory computer-readable storage media having computer-executable instructions embodied thereon, the computer-executable instructions executable by at least one processor of a proxy server, the proxy server communicating between a first merchant computing device, a second merchant computing device, a first issuer computing device, and a second issuer computing device, wherein, when executed by the at least one processor, the computer-executable instructions cause the processor to perform the steps of:
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receiving, at the proxy server, a first payment request message from the first merchant computing device, the first payment request message comprising first customer data and first merchant data, storing, by the proxy server, a first set of rules including i) a merchant does have a subscription to an authentication service, ii) a transaction is not an online transaction, and iii) an issuer does not have a subscription to the authentication service; determining, at the proxy server, from the first payment request message that at least one of the first set of rules is satisfied; transmitting the payment request message from the proxy server to the first issuer computing device based on the determination that at least one of the first set of rules is satisfied; receiving, at the proxy server, a second payment request message from the second merchant computing device, the second payment request message comprising second customer data and second merchant data, the second merchant data including a subscription flag; storing, by the proxy server, a second set of rules including i) a merchant does not have a subscription to the authentication service based on the merchant data, ii) a transaction is an online transaction, and iii) an issuer does have a subscription to the authentication service; determining, at the proxy server, from the second payment request message that the second set of rules are satisfied; generating, by the proxy server, an authentication request message at the proxy server based on the determination that the second set of rules are satisfied; holding the second payment request message at the proxy server based on the generation of the authentication request message; sending the authentication request message to the second issuer computing device from the proxy server while the second payment request message is held at the proxy server; receiving an authentication response message at the proxy server from the second issuer computing device in response to sending the authentication request message, the authentication response message comprising an indication of whether a holder of an account is the second customer and including an issuer certificate; generating, by the proxy server, a modified payment request message by including in the second held payment request message, the issuer certificate and the indication of whether the holder of the account is the second customer; and transmitting the modified payment request message from the proxy server to the second issuer computing device.
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Specification